Selecting a car insurance company in Bountiful, UT can be time consuming since there are a lot of options and picking a good Utah insurance agent is more difficult than just using the same auto insurance agent as your neighbor. Consumers need a competent insurance agent, but also cheaper car insurance prices.
Consumers have many auto insurance agents to buy insurance from, and although it’s nice to be able to choose, too many choices makes it more difficult to compare rates.
Comparing rates from local agents
Insurance agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of getting online price quotes is the fact that you can find the best rates and still choose a local agent.
After completing this form (opens in new window), the coverage information is immediately sent to local insurance agents who will return price quotes for your coverage. You never need to drive around due to the fact that quote results will go to your email. Now that’s easy!
Choosing a car insurance agent requires more thought than just a low price. These questions are important to ask:
- How often do they review policy coverages?
- How much will you save each year by using a higher deductible?
- Are claim adjusters local or do you have to take your car somewhere else?
- Is the agency involved in supporting local community causes?
- How long have they worked with personal auto insurance coverage?
- If you are a high risk driver, do they have special markets for your coverage?
- Do the companies they represent have a solid financial rating?
Bountiful insurance agencies are either independent or captive
If you’re trying to find a reputable insurance agent or broker, there are two types of agencies from which to choose. Insurance agencies in Bountiful can either be independent or captive. Either one can properly insure your vehicles, but it’s important to know how they differ because it can impact buying decisions.
Captive Agents
These agents are contracted to one company such as American Family, Liberty Mutual and AAA. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. Captives are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Consumers frequently buy from captive agents partially due to the brand legacy and the convenience of having a single billing for all their coverages.
Below is a short list of captive agents in Bountiful who may provide you with rate quotes.
- Liberty Mutual Insurance – 74 E 500 S # 104 – Bountiful, UT 84010 – (801) 295-8886
- Farmers Insurance Group – 505 S Main St # 201 – Bountiful, UT 84010 – (801) 292-5060
- American Family Insurance – 273 W 500 S # 21 – Bountiful, UT 84010 – (801) 296-2557
- Allstate Insurance – 3587 S Highway 89 – Bountiful, UT 84010 – (801) 295-9898
Independent Insurance Agents
These agents are not locked into one company but rather can write business with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent.
When searching for an agent, we recommend you include price quotes from multiple independent agents to have the most options to choose from. They also have the ability to place coverage with lesser-known insurance companies which can save you money.
The following is a list of independent insurance agencies in Bountiful that are able to give rate quotes.
- Dorothy M Nuffer Agency Inc – 152 W 500 S – Bountiful, UT 84010 – (801) 292-1230
- Allen Insurance Svc Inc – 190 N Main St # 100 – Bountiful, UT 84010 – (801) 292-1462
- Realvalue Insurance – 190 N Main St # 200 – Bountiful, UT 84010 – (801) 298-3811
To view a full list of licensed insurance agents in Bountiful, view this link.
After getting acceptable answers to any questions you have and a good coverage price, you have narrowed it down to a car insurance agent that is a good match to properly insure your vehicles.
Online companies can help you save
Local insurance agents can be invaluable at times, but Utah drivers can also buy from companies direct over the internet. Even companies who sell through the agent channel also allow you to quote and buy online, and online price comparisons are easy if you want to do it yourself.
If you’re concerned about choosing your own coverages when buying car insurance direct, that is quite common when buying online the first time. Online insurance companies that require consumers to choose their own coverages provide customer service for customer questions. In addition, they usually offer live help and an extensive research center to make it easier to purchase.
Can online rates save money? It’s hard to say exactly because there are a lot of things which can adversely affect your policy premium. You may think that a shopper who purchases direct saves by not paying a commission. But the fact is, the cost of constant advertising is expensive and that can quickly cost more than paying an agent.
Additional reading for car insurance information
Additional detailed information can be read at the Utah Insurance Department website. Utah consumers can view agent and company licensing information, find a variety of consumer forms, and learn about specific coverages.
Buy online or local, you save
The cheapest car insurance can be found on the web and also from your neighborhood Bountiful agents, so compare prices from both to have the best selection. Some insurance companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
Consumers switch companies for many reasons like high prices, extreme rates for teen drivers, delays in paying claims or unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company is not as difficult as it may seem.
